One Vision fintech fuse

Theodora Lau

One Vision fintech fuse podcast, hosted by Theodora Lau, brings purposeful fintech innovation to spotlight. It is where impact meets innovation. One Vision is a convergence of minds that dream of a more equitable, inclusive, and sustainable world for future generations galvanized by innovation. The latest season, FinTech Fuse, brought to you by the powerhouse trio, Theodora Lau, Barb MacLean, and Stephanie Foster, continues the tradition of telling stories that matter. We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets too. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, One Voice for One sustainable future. Hosted on Acast. See acast.com/privacy for more information.

  1. Neobanks, Subscriptions, and Trust: Who Can Win in the U.S. Market?

    2D AGO

    Neobanks, Subscriptions, and Trust: Who Can Win in the U.S. Market?

    With a record number of companies vying for US bank charters, it’s crucial to understand the driving forces behind this surge. The regulatory environment is more welcoming than ever, allowing fintechs to innovate and meet the needs of consumers who feel underserved by traditional banks.   But it's not just about quantity; it’s about quality. In a saturated market, how can these new entrants provide real value that stands out? It's all about solving real problems and creating unique offerings that resonate with consumers. Keep an eye on companies that understand the nuances of the market and can adapt their strategies.  What’s your take? Tune in and hear the take from Tiffani Montez and David Penn, in the latest episode of One Vision Podcast, hosted by Theodora Lau. 00:00 Underserved Banking Opportunity 14:44 Life Stage Subscriptions 15:54 Niche Neobanks Strategy 16:28 Who Will Win 18:21 Incumbents Reaction 20:09 Pressure To Modernize 21:25 Rethinking Bank Models 22:33 Trust And Charters 24:36 Next 12 Months Outlook Hot take: “We don’t need more banks. We need better banks.” Tiffani Montez Hot take: “The sky is getting darker.” David Penn Keywords: Fintech, Financial Inclusion, Neobank, Open Banking  #Fintech #neobank #AI #Financialinclusion  More about our guests  🌐Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/  🌐David Penn on LinkedIn: https://www.linkedin.com/in/david-penn-25431313/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  ** Hosted on Acast. See acast.com/privacy for more information.

    29 min
  2. How AI is Transforming Financial Literacy and Customer Trust

    MAR 22

    How AI is Transforming Financial Literacy and Customer Trust

    In this episode, Theodora Lau interviews Jennifer White, Senior Director, Global Banking & Payments Intelligence at J.D. Power, about consumer behavior, financial resilience, AI in finance, and future trends. They explore how consumers are navigating financial challenges and the affordability crisis, against the backdrop of “an era of resilience” — with two-thirds of Americans being financially unhealthy. They also discuss AI's role in financial literacy, MrBeast’s move into fintech, why Chime is leading new account acquisition, and implications for existing players. Looking to understand the current and future landscape of consumer finance? Hint: Fundamentals in customer experience are more important than ever.  00:00 Welcome Back Jennifer 01:24 Consumer Resilience Snapshot 06:26 Holiday Reality Check 16:21 MrBeast Meets Fintech 23:46 Chime and New Account Churn 28:41 Consumer Trust and AI Tools 41:31 Back to Service Fundamentals Hot take: "Basics of customer experience still matter." Keywords: AI, fintech, Buy Now Pay Later, Trust, MrBeast, Chime, Financial Resilience, Financial Literacy, Fraud, Affordability  More about our guest  🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/   More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision Hosted on Acast. See acast.com/privacy for more information.

    48 min
  3. AI Beyond the Hype — A Conversation on Tech, Trust, and Transformation with Christopher Mims

    MAR 15

    AI Beyond the Hype — A Conversation on Tech, Trust, and Transformation with Christopher Mims

    In this new episode One Vision podcast, Theodora Lau welcomes back Christopher Mims, Technology Columnist for the Wall Street Journal, to discuss his 2026 book “How to AI,” a practical guide aimed at the 90% who aren’t early adopters. They discuss the book’s “24 Laws of AI”, the evolving role of AI in the workplace, and how to prepare for the new future (without the hype).  Who will win the AI race? And what might Christopher be writing about next year? Stay till the end of the conversation for the hint … and it is not what you’d expect!  You can order a copy of Mims’ new book, “How to AI”, on bookshop.org and Amazon. And you can find my recent review of the book here on LinkedIn.  #AI #FutureOfWork #Agents #Automation  00:00 Welcome  01:46 Why This AI Book 04:13 Durable AI Principles 06:22 Competition between Firms 08:58 Agents as Assembly Robots 14:43 Trust and Delegation Lines 16:37 Kaizen and How the Principle Applies 24:05 Key Takeaways Hot take: “ We're in this early DIY phase of AI.” Hot take: “It's just as important to figure out what AI can't do for you as it is to figure out what it can do … The opportunity cost for pursuing AI for the wrong types of tasks is bigger than ever.”  Keywords  AI, generative AI, future of work, automation, trust More about our guest  Christopher Mims is a tech columnist for the Wall Street Journal, where he covers AI, technology, and their implications on society. His latest book, "How to AI," breaks down complex concepts into actionable insights, making AI accessible to everyone. Mims has interviewed experts across various fields, providing a comprehensive view of how AI is being integrated into different sectors. 🌐Christopher Mims on LinkedIn: https://www.linkedin.com/in/christopher-mims-club/  🌐How to AI (book): https://a.co/d/079cJso1  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  Hosted on Acast. See acast.com/privacy for more information.

    36 min
  4. The Future of AI Agents and Agentic Commerce

    MAR 9

    The Future of AI Agents and Agentic Commerce

    Are we moving too fast in the world of agentic commerce — a new paradigm in online shopping where AI agents act on behalf of consumers, facilitating transactions and product discovery? Unlike traditional e-commerce, where consumers interact directly with platforms, agentic commerce leverages advanced technologies to streamline the purchasing process. In this episode of One Vision — FinTech Fuse, we dive deep into the rapidly shifting landscape of agentic commerce and the alphabet soup. With the technology landscape changing at an unprecedented pace, we explore the challenges and opportunities that arise in the new world. Joining us in the discussion are industry experts, Dr. Efi Pylarinou and Jas Shah, who offer their insights on the rise of different protocols like ACP and UCP, identity verification, and the importance of a level-playing field in the future of commerce. What’s your take on this fast-paced evolution? Let’s keep the conversation going! #FinTech #AI #AgenticCommerce #AIAgents 00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup 02:53 The Reality: Are We Moving Too Fast? 07:35 Who Writes The Rules?  10:03 Which Protocol Will Win? 16:20 Staying Visible: Banks Brand in Bot Era 21:04 Trust Data and Curation 25:44 The Economics and Gatekeepers 33:57 Predictions: Who Will Emerge as The Likely Winner 41:56 What Banks Should Do Next Hot take: The real battle is about protocols, not models. Hot take: The future belongs to those who can optimize for AI. Keywords  AI, agentic AI, commerce protocols, fintech, banking, digital transformation, identity, trust, UCP, ACP More about our guests  🌐Dr. Efi Pylarinou on LinkedIn: https://www.linkedin.com/in/efipylarinou/  🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  Hosted on Acast. See acast.com/privacy for more information.

    45 min
  5. Navigating the FinTech Landscape: A Journey of Independence

    MAR 2

    Navigating the FinTech Landscape: A Journey of Independence

    In this episode of One Vision, Theodora Lau hosts Angi Milano, Founder and CEO of Maven Advisory, about her diverse career journey in financial services. They discuss the challenges and rewards of embracing independence, the importance of saying 'no', as well as the complexities and the art of selling in regulated industries. Angi shares insights on current trends in fintech, emphasizing the need for relationship building and community engagement as the industry evolves. Hot take: “… power of no and knowing when your limits really are hit and you have to turn somebody down is a powerful lesson that I wish I had learned.” Hot take: “In sales, if you are not thinking ahead, you’re falling behind.”  More about our guest  🌐Angi Milano on LinkedIn: https://www.linkedin.com/in/angimilano/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  #Fintech #BankingIndustry #Community #Empathy Hosted on Acast. See acast.com/privacy for more information.

    32 min
  6. Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection

    FEB 23

    Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection

    In this episode of One Vision — FinTech Fuse podcast, Theodora Lau and Jas Randhawa discuss the Universal Commerce Protocol (UCP) and implications for agentic commerce. They explore the challenges of chargebacks, the need for regulatory clarity, and the importance of consumer independence in the evolving landscape of e-commerce. While adoption is likely to grow, major risks include consumer manipulation, monopolistic outcomes, and the amount of personal data agents may require (buying, browsing, health, and other patterns), increasing privacy and security concerns. Now is the time to engage with policymakers and advocate for regulatory clarity and for the well-being of consumers.  00:00 Welcome Back to One Vision + Introducing Jas Randhawa (StrategyBRIX) 01:10 What Is the Universal Commerce Protocol (UCP)? The Big Picture 03:27 How UCP Works: Product Cataloging for AI Shopping Agents 07:05 KYA (Know Your Agent): Identity, Authorization & Trust 08:58 Chargebacks in Agentic Commerce: Who’s Liable When Things Go Wrong? 12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls 13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps 21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West’ Phase + T&Cs Reality 28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof 33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks 37:12 Are We Too Early? Will Consumers Adopt—and at What Cost? 42:59 Privacy, Data Control & The Need for Neutral Standards Bodies (Wrap-Up) 47:45 Final Thoughts #AI #AgenticCommerce #UCP #Agents #Fintech  Hot take:  ”The amount of information this agent now needs to have about me is shocking and it scares me a little bit because you're talking about buying patterns, browsing patterns, sleeping patterns, health pattern. For this agent to be really effective, it just needs to know everything that's in my head, right? It's gonna be very effective, but that's again, a major risk because no one's watching out for the consumer.” Hot take: “ The future of this world is unfortunately not you or me. It's a lot of these younger kids, their ecosystem is a lot different. These products are being designed for them.” More about our guest  🌐Jas Randhawa on LinkedIn: https://www.linkedin.com/in/randhawajas/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  **   Hosted on Acast. See acast.com/privacy for more information.

    48 min
  7. Achieving AI Success: A Pragmatic Focus on Outcomes Over Hype

    FEB 16

    Achieving AI Success: A Pragmatic Focus on Outcomes Over Hype

    In this week’s One Vision Podcast, we welcome back Sandeep Mangaraj, now co-founder of Aileron Group, to discuss lessons from building a company in a crowded AI market and why AI success is more about people and process than technology.  The conversation covers executives rushing into GenAI due to FOMO, the importance of starting with desired outcomes rather than applying GenAI everywhere, and why mid-market institutions may benefit from faster time-to-decision, less technical debt, and faster learning cycles.  The key question is whether firms can afford the downside of waiting. And the answer is increasingly: No. 00:00 Welcome Back: Meet Sandeep Mangaraj  00:55 Building Aileron: Lessons From a Crowded AI Market 03:49 The AI ROI Myth: What’s Actually Being Measured? 05:28 FOMO vs Outcomes: Picking the Right AI Use Cases 10:09 Falling Costs & Speed of Learning 12:40 Who Owns AI Outcomes and Who’s Accountable When It Breaks? 14:55 Third-Party Risk: Regulators, Vendors, and Dependencies 19:51 “Can You Afford to Wait?” 23:02 Closing: Act With Purpose in 2026 Hot take:  The barrier to AI success isn't technology, it's people and process.  #AI #Fintech #GenerativeAI #DigitalTransformation Hosted on Acast. See acast.com/privacy for more information.

    24 min
  8. Exploring AI in Asia and the future of consulting

    FEB 7

    Exploring AI in Asia and the future of consulting

    Dive into the future of wealth with AI in Asia! 🌏🚀 Join Theodora Lau on the latest episode of One Vision podcast as she chats with Yves Roesti, Managing Partner & CEO Synpulse Group, about how AI is transforming the industry across APAC. From cultural nuances to regulatory challenges, they explore the intricate balance of human touch and technology, the unique challenges and opportunities in the region, the vision behind OpenWealth Association, and how AI impacts the future of consulting and wealthtech.  📍Hot take:“I actually think that junior consultants are uniquely positioned to be supercharged by the AI movement. The question to ask is, what skills do you need to have, in order to thrive in an AI-enabled world?  Being resilient, being creative, asking the right questions, being curious, and having empathy and having interpersonal skills.”  Episode highlights   00:00 - Introduction and Welcome 02:21 - AI Trends in APAC vs. US 11:56 - OpenWealth Association 18:00 - Future of Consulting with AI 24:11 - Contrarian Views on AI  30:58 - Concluding Thoughts #AI #Fintech #WealthTech #Asia  More about our guest  🌐Yves Roesti on LinkedIn: https://www.linkedin.com/in/yves-roesti/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  ** Hosted on Acast. See acast.com/privacy for more information.

    32 min
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About

One Vision fintech fuse podcast, hosted by Theodora Lau, brings purposeful fintech innovation to spotlight. It is where impact meets innovation. One Vision is a convergence of minds that dream of a more equitable, inclusive, and sustainable world for future generations galvanized by innovation. The latest season, FinTech Fuse, brought to you by the powerhouse trio, Theodora Lau, Barb MacLean, and Stephanie Foster, continues the tradition of telling stories that matter. We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets too. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, One Voice for One sustainable future. Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Theodora Lau
  • Years Active
    2018 - 2026
  • Episodes
    369
  • Rating
    Clean
  • Copyright
    © Theodora Lau
  • Show Website
    One Vision fintech fuse

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